You can stay on standard insurance and use your own excess insurance policy, but then we still need to freeze the $5,000 on your card (credit or debit). Also, we highly recommend reading the fine print of your policy as a lot of these excess insurance companies or insurance via a card company doesn't cover campervans. Even though our campervans are based on the Toyota Estima car model, they are classified as campervans/sleeper vans.
An excess insurance policy won't replace our Stress-Free Insurance. It will just cover the bond used as excess in case of damages or an accident. You will always need to pay for damages yourself and then claim it back from your insurance company.
You will be travelling on standard then, which means $5,000 needs to be frozen on your card. This will be frozen for the duration of your hire, it will still be in your account, it just can't be used as it is frozen (reserved) just in case. On Stress-Free there's no excess and almost everything is covered (no need to pay for it yourself first when damages have happened).